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Re: Opticians

Let me make sure I understand this - you buy frames from the local optical shop, but lenses from Zenni, and the local shop will put them in? Why not get the complete pair from Zenni? Depending on the prescription, you probably won't risk very much money. I've had excellent experience with Zenni opti...
by DTSC
Sat Apr 18, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Opticians [Purchasing eyeglasses]
Replies: 12
Views: 841

Re: Should I purchase an Umbrella policy?

DTSC you wrote, "$330 represents 1.8% of his annual income...". Are you saying that's good or not good? I would consider 1/50 of my (or anyone else's) annual income a sizable amount. My family's income has varied a lot over the years, but spending on anything costing over 1% of our income...
by DTSC
Fri Apr 17, 2015 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 47
Views: 3851

Re: Should I purchase an Umbrella policy?

Get it. It is relatively cheap. It gives you much better protection, for much less money. If you are eligible, get it now. You never know when an accident will occur and you will no longer be eligible for some period of time. No offense, but you don't have $1m in assets, so why do you need so much ...
by DTSC
Fri Apr 17, 2015 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 47
Views: 3851

Re: Can I open solo 401K on 2500$ self employed income

Maybe Vanguard changed its policy. My experience is from 1.5 years ago. My wife had a Vanguard solo 401K plan and SEP and rollover IRA's with Vanguard as well. They would not allow rollover into the 401K. We had to open a Fidelity solo 401K to roll those IRA's into it. SEP IRAs and rollover IRAs ar...
by DTSC
Thu Apr 16, 2015 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1273

Re: Can I open solo 401K on 2500$ self employed income

Just crashing someone else's thread - does Vanguard not accept ANY rollovers? Or do they just not accept IRAs? In other words, could I roll over an old employer's 401k into a Vanguard solo 401k? Vanguard's Individual-401k details state they accept rollovers from qualified plans (like a 401k). I don...
by DTSC
Thu Apr 16, 2015 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1273

Re: Should I purchase an Umbrella policy?

No offense, but you don't have $1m in assets, so why do you need so much coverage? Why would a settlement necessarily be limited to a person's assets? Couldn't it also involve future earnings? In that case a 22 year old engineer needs $3M of coverage?? (Let's say he makes $60K per year and works fo...
by DTSC
Thu Apr 16, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 47
Views: 3851

Re: Should I purchase an Umbrella policy?

No offense, but you don't have $1m in assets, so why do you need so much coverage?
by DTSC
Wed Apr 15, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 47
Views: 3851

Re: How to (diplomatically) challenge wife's active mgmt fun

If it's only 2% of the entire portfolio, it's probably not worth the aggravation.
by DTSC
Wed Apr 15, 2015 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 87
Views: 4519

Re: Can I open solo 401K on 2500$ self employed income

Open the solo 401K at Fidelity, not Vanguard. Fidelity accepts incoming rollovers, Vanguard does not. I know from personal experience.
by DTSC
Wed Apr 15, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1273

Re: How do I find a good local Financial Adviser?

Is there a good reason why you cannot do this yourself? Nothing you asked about requires a rocket scientist. Thanks for your reply but I asked how to find a financial planner that met my criteria...that's it. I didn't ask about retirement saving, life ins, etc. I feel like I'm a fairly well informe...
by DTSC
Wed Apr 15, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I find a good local Financial Adviser?
Replies: 20
Views: 1444

Re: How to Prepare for a Baby

Also remove the words "free time" and "hobby" from your vocabulary Make sure you have enough life and disability insurance. See if there is a freecycle group near where you live. Garage sales are a great source of baby stuff, especially if there are wealthier neighborhoods near y...
by DTSC
Mon Apr 13, 2015 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3543

Re: A 100% newbie asking for advise desperately

Since today is very close to the tax deadline, make sure both of you have made IRA or Roth IRA contributions for 2014. Re-file your 2014 taxes if necessary. Stay at home spouses can still make IRA contributions, up to $6000 per year.
by DTSC
Sun Apr 12, 2015 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: A 100% newbie asking for advise desperately
Replies: 10
Views: 746

Re: Cost of College & Weighing the Merits of Top Schools

..., its in the connections made outside it. I was amazed once to find out that I was hired because of who I knew and not what I knew. I think that's how some lobbyists make their money, too. Yes, connections=money. Sad,but true. Connections also = get admitted to HYPS. Whether you like them or agr...
by DTSC
Sun Apr 12, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16465

Re: Need a tablet maybe

I don't suggest buying budget $50-80 tablets unless you can try them first. They tend to be slow and buggy (especially if they have bloatware on them). My personal opinion is to get one of the following android tablets (or something similar) Nexus 7 - 2013 model LG G Pad 8.3 - V500 (So, the Wifi on...
by DTSC
Thu Mar 26, 2015 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1920

Re: Need a tablet maybe

I've used iPads as well as 2 Windows 8 tablets (Lenovo Miix 2 and currently an HP Pavilion x2 10 inch). The Windows devices are significantly cheaper but the user experience is also, IMO, much inferior to the iPad. As an example, whenever you touch on a form to enter data, the onscreen keyboard auto...
by DTSC
Thu Mar 26, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1920

Re: Excess Cash - Play Monopoly or Repay Debt?

OMG! I get dizzy seeing how much debt you have. I wouldn't be able to sleep if I had close to $1.5M in debt. To each his own...
by DTSC
Mon Mar 23, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5282

Re: An arm and a leg ... for a middle finger?

Specialists costs a lot, but $750 for 3 visits isn't out of the norm for pricing for a specialist. I pay $125 MINIMUM for a Miele dishwasher repair guy just to show up at my house, and that doesn't even cover a cent of the repairs or parts. I pay him as much as I do to see a surgeon for an office v...
by DTSC
Fri Mar 13, 2015 8:49 am
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3488

Re: 31 Year Old Seeking Financial Guidance

At the risk of piling on, you definitely don't need to spend $56 per month on tobacco and alcohol, especially tobacco. Smoking costs you triple - in your health (3-4x heart attack risk versus non-smoker in your age group), cigarette money itself, and it also raises your life insurance premiums. $38 ...
by DTSC
Thu Mar 12, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 31 Year Old Seeking Financial Guidance
Replies: 46
Views: 4213

Re: Buying New Used Car - Input Appreciated

Depends on how much you drive and cost of gas in your area. I personally own a Mazda 3 with the Skyactive package. One of the reasons I bought it is that I get close to 30 mpg in the city and 40 on the highway. It's also a pretty peppy and fun to drive car, for that size and price range.
by DTSC
Tue Mar 10, 2015 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying New Used Car - Input Appreciated
Replies: 27
Views: 2111

Re: Looking for a 401k plan with mega backdoor ROTH

Speaking only with experience of dealing with my wife's solo 401K plan with Vanguard, Vanguard does not accept incoming rollovers from your other (old) IRA's. However, Fidelity does. That's strange. I have a friend who works for an employer with Fidelity serving as the 401k plan administrator. They...
by DTSC
Tue Mar 10, 2015 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 790

Re: Looking for a 401k plan with mega backdoor ROTH

Speaking only with experience of dealing with my wife's solo 401K plan with Vanguard, Vanguard does not accept incoming rollovers from your other (old) IRA's. However, Fidelity does.
by DTSC
Mon Mar 09, 2015 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 790

Re: finance a car or not

Why borrow money when you don't have to?

One thing to remember: if you don't finance, you can have a higher deductible when you buy comprehensive/ collision insurance (i.e. self insure the difference) and pay lower premiums.
by DTSC
Sun Mar 08, 2015 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 2129

Re: not sure about my adviser

Isn't my advisor going to call me and ask "What happened?" Doesn't there have to be some kind of formal closure with the FA? 2 words: Screw him. After all, he's been screwing you for years! I don't even need to look at the funds in your portfolio to know that you're being screwed. You sim...
by DTSC
Thu Mar 05, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5695

Re: Claiming theft on tax return

Thanks for the advice. I didn't realize about the 10% of AGI business. Oh well...
by DTSC
Mon Mar 02, 2015 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Claiming theft on tax return
Replies: 4
Views: 549

Claiming theft on tax return

I am wondering if wise Bogleheads have had experience with this situation. We were visiting my mother-in-law last week. Unfortunately, her home was burglarized when we were there. Her laptop and iPad were stolen. I had a computer and iPad stolen along with hers. All told, she lost maybe $2000 worth ...
by DTSC
Mon Mar 02, 2015 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Claiming theft on tax return
Replies: 4
Views: 549

Re: Need advice. My wife is starting a small business

Recommend using Fidelity for solo 401K as they allow rollovers into the plan - in case she has old IRA's she wishes to roll into the 401K. If that's not an issue, using Vanguard is fine. Vanguard does allow electronic transfers to fund the 401K, while with Fidelity you have to mail a paper check. Be...
by DTSC
Mon Mar 02, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice. My wife is starting a small business
Replies: 25
Views: 2681

Re: physicians [Frustrated, considering early retirement]

The letter carriers are out in this, all day, day after day. I am pretty sure not many doctors are: http://s3.amazonaws.com/media.wbur.org/wordpress/1/files/2013/02/0209_snow-cars-620x413.jpg You also may be surprised by the burn out rate at the post office. Friend of mine had to basically quit his...
by DTSC
Thu Feb 26, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9570

Re: Thoughts on Chase for everyday banking

I use a Alliant Credit Union and get interest checking with no fees.

I am happy to have paid off my mortgage, which was sold to Chase, so that I will have no further dealings with them ever again.

They are too big to fail and I'm doing my very minor part to make them just a little smaller.
by DTSC
Wed Feb 25, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 2037

Re: physicians

We really did save her life and I was particularly worried that despite "getting her back" she had suffered a severe hypoxic brain injury. I can't tell you how happy I was to go down to the ICU a few hours after admitting her, see her extubated, and get a hug and kiss from her. That singl...
by DTSC
Wed Feb 25, 2015 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9570

Re: physicians

Always on verge of burn out here. Saving 40% of my gross income but started medical career and having children late, so probably won't be able to get out until my 60's, if I live that long... I try to AVOID Sermo. Misery loves company, but only to a point. After a while there's just too much negativ...
by DTSC
Wed Feb 25, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9570

Re: Rooting for stock to go down to sell?

Why would anyone *ever* wish to lose money or stock value? Having to pay tax, as long as it's not 100%, is always a good thing as it means you made at least some money.
by DTSC
Fri Feb 13, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Rooting for stock to go down to sell?
Replies: 22
Views: 1753

Re: Request rec for cell phone for thrifty senior

Thanks for the suggestions! The Tracfone looks attractive due to the low initial cost. I don't know if she'll ever use up $100!
by DTSC
Wed Feb 11, 2015 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Request rec for cell phone for thrifty senior
Replies: 7
Views: 327

Request rec for cell phone for thrifty senior

My mother-in-law who lives in Los Angeles is finally interested in getting a cell phone. She just wants to keep it in her purse for emergencies. We don't anticipate that she will use more than 30-60 minutes per month, if even that much. She does not travel much more than 5 miles from her home. She w...
by DTSC
Wed Feb 11, 2015 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Request rec for cell phone for thrifty senior
Replies: 7
Views: 327

Re: Rollover IRA to 401(K)

It depends on whether the plan allows rollovers. I don't see why there would be a penalty if it is allowed.
by DTSC
Sat Feb 07, 2015 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to 401(K)
Replies: 8
Views: 467

Re: Cutting the cable cord using media center

Can you comment on how fast the processor in your computer must be to be able to use it as a DVR? For me, I had a very old Pentium Dual Core processor (not a core 2 duo) It is a Vostro 200 with Intel 5200 or something like that. I was able to record two HD (1080p) streams off HDHR and watch 3rd one...
by DTSC
Mon Feb 02, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 3083

Re: Cutting the cable cord using media center

Can you comment on how fast the processor in your computer must be to be able to use it as a DVR?
by DTSC
Mon Feb 02, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 3083

Re: 2.875% mortgage pay-off financially justifiable?

I think maybe some of us are suffering from recency bias. How many people wanted to take out a home equity loan to invest in stocks back in 2009? How many want to do that after 5 years of the stock market going up?
by DTSC
Sat Jan 31, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 35
Views: 3993

Re: New investor building simple Fidelity portfolio

Do you have employees in your company? If not, a solo 401K might allow you higher contributions.
by DTSC
Sat Jan 31, 2015 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: New investor building simple Fidelity portfolio
Replies: 9
Views: 992

Re: POLL: Prepay car loan (1.75%)

I try not to borrow to buy a depreciating asset. So I'd pay it off. If you don't have a loan, you can raise your car insurance deductible and save on the premiums too.
by DTSC
Fri Jan 30, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1530

Re: 2.875% mortgage pay-off financially justifiable?

I paid off a 3.25% mortgage early. Sure, you *might* make more money investing the money in stocks, but you might not. Why borrow and pay any amount of interest if you don't have to?
by DTSC
Thu Jan 29, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 35
Views: 3993

Re: Hawaii Visit (Maui). Need advice

Best advice I can give - skip out on the conference if you can! Life is short!
by DTSC
Sun Jan 25, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2617

Re: "Wining and dining" in medical community

No wining and dining here. Never mind the money, who has time?
by DTSC
Mon Jan 19, 2015 10:05 am
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3602

Re: Instant coffee

Trader Joe's Columbian is not bad
by DTSC
Sat Jan 17, 2015 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3591

Re: Should I Declare Victory and Pack It In?

Thanks for the kind words. I think any income going forward will be relatively low because I just don't have the drive/guts/heart to do the major cases anymore. I feel more comfortable with office work and minor outpatient cases. Just the honest truth. So $200ish would probably be fair in all since...
by DTSC
Fri Jan 16, 2015 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17169

Re: Young Investor Looking For Advise

Any 401K or 403B plan at work? Are you self employed such that you can open your own 401K plan? I'm a self employed freelancer. I've considered LLC-ing myself, but honestly haven't had the time to fully look into it. So in the mean time, it's just my Roth IRA and my brokerage account. However, upon...
by DTSC
Fri Jan 16, 2015 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1499

Re: Young Couple Seeking Portfolio Advice

How much in Capital Gains tax do you have to pay when you sell the Publix stock? How long have you held it? I'm all for paying off the higher interest student loans, but not if you are taxed quite a bit to do so. Instead, maybe you can contribute just enough to get the 401K match and use the extra ...
by DTSC
Fri Jan 16, 2015 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Couple Seeking Portfolio Advice
Replies: 8
Views: 891

Re: Should I Declare Victory and Pack It In?

"In the end if a couple with no glaring liabilities can't live on 2.7mill. for 30 yrs. with SS in the next 10 yrs. there is something wrong. " +1 :happy It is all about lifestyle choices. For someone making 500k, living on the 100k or so that 2.7 million implies might be an unacceptable c...
by DTSC
Fri Jan 16, 2015 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17169

Re: Vanguard or Somewhere Else (Solo 401k)

As the manager of my wife's solo 401K plan, we've used both Vanguard and Fidelity. Both are easy to set up. We use Fidelity now as it allows incoming IRA rollovers and we wanted to eventually do a backdoor Roth. If this is not important to you, I would use Vanguard for the logistical reason - Vangua...
by DTSC
Fri Jan 16, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Somewhere Else (Solo 401k)
Replies: 13
Views: 1650

Re: Young Investor Looking For Advise

Any 401K or 403B plan at work? Are you self employed such that you can open your own 401K plan?
by DTSC
Fri Jan 16, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Looking For Advise
Replies: 14
Views: 1499

Re: Young Couple Seeking Portfolio Advice

How much in Capital Gains tax do you have to pay when you sell the Publix stock? How long have you held it? I'm all for paying off the higher interest student loans, but not if you are taxed quite a bit to do so. Instead, maybe you can contribute just enough to get the 401K match and use the extra i...
by DTSC
Fri Jan 16, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Couple Seeking Portfolio Advice
Replies: 8
Views: 891
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